Fix: nil pointer dereference when adding new accounts

[tasosbit]

ℹ Overview

• fixed race condition in ShouldAddIncentivesFee

📝 Related Issues

✅ Acceptance:

• Pre-commit checks pass

[cloudflare-workers-and-pages]

Deploying nodekit-run with    Cloudflare Pages

Latest commit:	fe79792
Status:	✅  Deploy successful!
Preview URL:	https://27ddbdb0.nodekit-run.pages.dev
Branch Preview URL:	https://fix-incentive-logic-nil-poin.nodekit-run.pages.dev

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[codecov]

Codecov Report

All modified and coverable lines are covered by tests ✅

Project coverage is 32.91%. Comparing base (90b769d) to head (fe79792).
Report is 6 commits behind head on v1.2.0.

❗ There is a different number of reports uploaded between BASE (90b769d) and HEAD (fe79792). Click for more details.

HEAD has 2 uploads less than BASE

Flag	BASE (90b769d)	HEAD (fe79792)
	3	1

Additional details and impacted files

@@             Coverage Diff             @@
##           v1.2.0     #132       +/-   ##
===========================================
- Coverage   44.40%   32.91%   -11.50%     
===========================================
  Files          76       76               
  Lines        6308     6308               
===========================================
- Hits         2801     2076      -725     
- Misses       3277     4121      +844     
+ Partials      230      111      -119     

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